by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Eastern West Virginia Community and Technical College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Eastern West Virginia Community and Technical College, 24% of freshmen borrow to help pay for their first year, at roughly $2,537 each — a figure that counts both private and federal student loans.
The average federal loan is $2,537, which is 46.1% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Eastern West Virginia Community and Technical College, 25% rely on federal student loans toward their education, for a typical $3,592 per year. It comes to 41.6% higher than the $2,537 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $7,184 by year two and around $14,368 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 25% |
| Average federal loan per year | $3,592 |
| Undergraduates with a federal loan | 49 |
| Total federal loans (one year) | $175,987 |
The median student at Eastern West Virginia Community and Technical College borrows $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,500 |
| Students who withdrew | $3,875 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Eastern West Virginia Community and Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,916 |
| 75th percentile | $15,856 |
| 90th percentile (highest-debt students) | $23,642 |
How wide this percentile range is tells you how much borrowing varies across students at Eastern West Virginia Community and Technical College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Eastern West Virginia Community and Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 23 | $5,500 |
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Eastern West Virginia Community and Technical College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 11 | — |
| No Stafford loan this year | 12 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Eastern West Virginia Community and Technical College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Eastern West Virginia Community and Technical College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 38 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $5,750 |
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.